Alpha Plan – Restricted Territories Option

We want to help you choose the right plan for your needs, and it’s important that you understand the differences between the Alpha plan and the Alpha plan with the “Restricted Territories” option.

Put simply:

• The Alpha Plan provides excellent cover outside the USA, with limited protection within the USA

• The Alpha Plan with the Restricted Territories Option provides excellent cover outside the Restricted Territory countries, with limited protection within them

Restricted Territory countries include: Australia, China, Hong Kong, Israel, Japan, Russia, Singapore, Switzerland, All EU countries, United Arab Emirates, UK, USA.

You may have noticed a price difference between the Alpha plan and the Alpha plan with the Restricted Territories Option, which is due to the higher cost of medical care in the restricted countries. As a guideline, if you spend more than 60 days in a Restricted Country, or are from one of these countries, you should not choose the Restricted Territories option.

Here is a comparison of the cover and territory limitations for the two plans:

Alpha Cover in a Listed Country (Excluding the USA) Alpha Restricted Territories Cover in a Listed Country
Up to the whole policy year Up to 60 days
Comprehensive private medical cover Emergency cover only
$1,000,000 annual policy limit $50,000 policy limit
Conditions can be treated in the restricted countries (except the USA), whether they started in those countries or not. No cover for conditions that started prior to the time in the restricted countries.
No coinsurance 20% coinsurance payable

Example 1:

A Singaporean Alpha plan member contracts stomach cancer in the field. She wants to move back to Singapore to fight the illness closer to family. Alpha provides the care she needs in Singapore and facilitates a smooth transition.

Example 1A:

A Singaporean Alpha plan Restricted Territory option member contracts stomach cancer in the field. She wants to move back to Singapore to fight the illness closer to family. However, the Restricted Territory option does not provide any cover for treating this condition in Singapore. Also, switching to the Alpha plan at this stage will not allow this condition to be covered in Singapore, as it would be considered a pre-existing condition in Singapore. This is a very upsetting situation.

Example 2:

A British Alpha plan member develops heart disease in the field. He wants to go for a 2-month furlough in the UK. Alpha Standard provides the care he needs in the UK with preferential access to private medical treatment or the National Health Service. He can also travel, knowing that he is covered should something happen with his heart.

Example 2A:

A British Alpha Restricted Territory option plan member develops heart disease in the field. He wants to go for a 2-month furlough in the UK. However, should he have any issues related to his heart disease while back in the UK, this would not be covered under the Alpha Restricted Territories option. He is not covered by the NHS as he is no longer Ordinarily Resident in the UK. This situation creates a lot of stress and anxiety. Again, switching to Alpha Standard at this stage will not allow this condition to be covered in the UK, as it would be considered a pre-existing condition.